New York Health Insurance & lt; br/& WP; L& #39; insurance santé is l& #39; insurance which pays for whole or part d& #39; a person of care of santé of the bills. A police force d& #39; insurance santé is a renewable contract each année between a company d& #39; insurance and a person. With the santé of the réclamations d& #39; insurance, the titular person of police force pays a frankness more Co-payment (for example, a séjour à l& #39; hôpital could need the first 1000 dollars expenses à to pay by the taker d& #39; insurance, plus 100 dollars per night is resté à l& #39; hôpital). Usually it ya a d&amp maximum; #39; money for the d&amp payment; #39; a année, and there can be a durée maximum life. & lt; br/& WP; L& #39; object of l& #39; health insurance is d& #39; to help people à to cover their coà ts care of santé which includes/understands the médecin visits généralement, séjours à l& #39; hôpital, surgery, procédures, tests, care à residence, and d& #39; other treatments and of services. & lt; br/& WP; According to the last census of the tats-Plain à ‰ Office figures, approximately 85% of the citizens have l& #39; health insurance. 59,5% of these people will receive their cover of l& #39; health insurance by the means d& #39; an employer, and approximately 9% à l& #39; purchase directly on the marché. According to government sources, to cover 27,3% of the population. The people without health insurance are held to pay for médicaux services privés. & lt; br/& WP; Types of New York, l& #39; health insurance (http://new-york.ixs.net/General/New-York-Health-Insurance/index.aspx) types of l& #39; health insurance à New York are the plans of santé group, the plans, the plans of santé and government, such as Medicare and Medicaid. With the tats-Plain à ‰, financés by the government of the Medicare programs to help à to ensure the âgées people and l& #39; final rénale insufficiency chronic patients. & lt; br/& WP; Group Health &amp Plans; lt; br/& WP; A plane group of santé offers to a cover for the care of santé the employers, the organizations étudiantes, professional associations, the religious organizations, and d& #39; other groups. L& #39; employer May to pay a part or the totalité expenses d& #39; insurance (the premium). & lt; br/& WP; Individual and Family Health Insurance & lt; br/& WP; individual and family d& #39; health insurance is a type of cover of l& #39; health insurance which is put à the provision of the individuals and the families, plutôt that d&amp groups; #39; employers or of the organizations. These types of régimes of care of santé are sold directly to the private individuals. For those d& #39; between you who are the chômage or to autonomous worker, a police force d& #39; individual insurance-santé is always an option. Unfortunately, the rates of these policies are élevés and the cover is usually less complete than management à a plan of care. The good news is that, in many cases, your premium d& #39; insurance will be déductibles d& #39; impôt. Well sà R, if you êtes marié, you can always try to take a turn on your spouse, the d&amp group; #39; insurance santé of the régimes d& #39; welfare benefits. & lt; br/& WP; L& #39; insurance santé can être classées in service costs or d& #39; indemnité (traditional insurance) and of care gérés. two groups and the régimes d& #39; insurance can être is the rA©munA©ration of the services or the plans of care gérés. & lt; br/& WP; Managed Care Health Insurance & lt; br/& WP; in particular HMO, PO, POS and plans. Plans of care gérés usually l& #39; use of réseaux of care of santé. Suppliers of care of santé within d& #39; a réseau d& #39; agreement to carry out services for the management of the care of the patients in the plan of pré-négocié and are in général the rates to subject request à the company d& #39; insurance for you. In général, you will have less paperwork and moins-mêmes the coà ts of management of the care with a régime d& #39; insurance-santé and a broader choice of suppliers of care of santé with a d&amp plan; #39; compensation. & lt; br/& WP; There exist three principal types of plans of management of the care: & lt; br/& WP; â € ¢ Health Maintenance Organizations (HMO) & lt; br/& WP; â € ¢ Point-off-Service (POS) â € ¢ & lt; br/& WP; Preferred Provider Organizations (PO) & lt; br/& WP; All these plans offer services d& #39; health insurance for the members and their families. If you enough lucky êtes to lay out d& #39; a plan selection, étudier advantages and inconvénients of each one d& #39; they. Compare the coà T of the care, the différence of premiums, and the déductibles amounts of your liberté to choose a médecin apart from the plan. It ya many other guarantees to compare thus – regulation of médicaments for dental care à d& #39; others thérapies. Ensure you to include/understand the subtilités each one. & lt; br/& WP; Or indemnités of service costs &amp Plan; lt; br/& WP; Normally, it covers the fresh mêmes care gérés. the différence, c& #39; is your médecin is rémunéré for each visit à the request is déposée by the patient or the médecin. A great advantage – contrary à certain plans of management of the care, service costs allows the patient d& #39; large a liberté in the choice of the médecins and the hôpitaux à to use, but undoubtedly entraîner an increase in the direct payments and coà ts more red tape. & lt; Br/& WP; & lt; br/& WP; However, you will probably have être condamnée à to pay an annual frankness before the company d& #39; insurance begins à to pay on your claims. A d&amp plan; #39; compensation May également to require that you pay à l& #39; advances for the services and then to subject a rA©clamation à the company d& #39; insurance for refunding. & lt; br/& WP; Shorts-Term Health Insurance & lt; br/& WP; à short term on the santé the régimes d& #39; insurance are conçus for protéger against the aléas d& #39; accidents or of diseases, plutôt to provide a cover complète and, as such, in a général do not include/understand the cover for the care préventifs, médicaux, dental vaccinations, care or of the care of the sight. It covers a période time limitée, and of May are a solution idéale for the people between two employment or of those on standby for d& #39; others l& #39; health insurance to start. Généralement, plans à short term offers a cover active jusqu& #39; à six months, although certain plans of May offer a cover active jusqu& #39; à 12 months. L& #39; d&amp purchase; #39; short-term, d&amp plan; #39; health insurance will make you inéligible communément for any question of santé individual guaranteed plane appelé HIPAA (Health Insurance Portability and Accountability Act) Plane. Plane HIPAA are généralement très teux coà and are généralement destinés à people having conditions médicales préexistantes which would have evil à to obtain l& #39; health insurance differently. & lt; br/& WP; Count d& #39; épargne médicale (MSA) & lt; br/& WP; Medical account d& #39; épargne (MSA) is more récent développement in the field of l& #39; health insurance. The principle of the MSA is to take l& #39; essence of the financial risk, and the payment of the premium, à l& #39; écart of the management of the care and l& #39; indemnité d& #39; insurance, and allow the individuals d& #39; épargner of l& #39; money, of frankness d& #39; impôt, in an account d& #39; épargne à l& #39; use for the médicaux expenses. People or l& #39; purchase of their major employers of the policies médicales, l& #39; insurance médicale of the policies without any cover for the médicaux expenses jusqu& #39; à what the payé amount by the patient is supérieure à a maximum amount déterminé, like the 2500 dollars per annum. These policies have franknesses très élevées and weak monthly premiums and the participants to take l& #39; money qu& #39; they would have consacré à premiums plus élevées and the déposer in a MSA. This money returns monthly by the means of dépôts and bears l& #39; intérêt, and can être dépensé only to pay médicaux care & lt; br/& WP; which is best the régime d& #39; health insurance? & lt; br/& WP; It n& #39; do not exist & quot; better & quot; plan for everyone. The best match for you and your family May être différente of that of the best correspondence for quelqu& #39; a d& #39; other. In order to help you à répondre à this question, here some points à considérer: & lt; br/& WP; 1. You go d&amp need; #39; a cover à long run or right something for the short term? & lt; br/& WP; If you êtes between two employment for 1-6 month, you want to go May à short term the cover of the options. Alternatively, if you n& #39;